PENNSYLVANIA CENTRAL
Charter #2625 · Harrisburg, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 51st — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PENNSYLVANIA CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $136.94M | 24th pct | 51th pct |
| Members | 12,558 | 47th pct | 56th pct |
| Net worth ratio | 10.48% | 34th pct | 34th pct |
| Return on average assets | 0.73% | 52th pct | 52th pct |
| Net interest margin | 3.98% | 70th pct | 56th pct |
| Cost of funds | 0.85% | 31th pct | 36th pct |
| Loan-to-share | 68.23% | 42th pct | 48th pct |
| Delinquency 60+ days | 0.59% | 48th pct | 61th pct |
| Net charge-off ratio | 0.56% | 70th pct | 54th pct |
| Loan growth YoY | -2.04% | 24th pct | 33th pct |
| Share growth YoY | 7.46% | 90th pct | 85th pct |
| Efficiency ratio | 78.91% | 51th pct | 46th pct |
structural peer set hash: b7d1aa38c25afb9328e69ae36ee93ad4… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.